Cleo: Budget & Cash Advance

55.7K reviews
Content rating
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About this app

Get up to a $250* cash advance with an AI money coach you can actually talk to. Cleo helps 5+ million users budget, save, build credit, or get a cash advance in those low-balance moments.


Cleo turns stressful money life into a simple chat, where you can ask questions and learn about your finances (without being bored to death).

Want to know how much you spent on takeout last month? Just ask Cleo… maybe this will be what finally gets you to stop overspending.


Dump your overpriced overdraft and get a quick spot from Cleo instead. Cleo’s up to $250 cash advance has:

- No interest (APR)
- No credit checks
- No late fees
- No direct deposit required


Hide your money from yourself with mindless savings tools, like: auto save, round up, swear jar, and set & forget.


Build a personalized budget (with room for iced coffee). Cleo uses Plaid to read your transaction history in a read-only mode. She can then show you all your accounts in one place, serve you spending breakdown, and share monthly bill trackers and reminders.


Glide your way to smoother approvals, lower interest rates, and higher credit limits with a credit score your parents can be proud of. Start building your credit with:

- 0% APR
- Cashback on everyday spends
- Cash advance
- Credit score coaching
- $1 minimum deposit


Don’t wait until payday. Unlock your earnings early by setting up direct deposits.


*Eligibility requirements apply

**Credit Builder Card is issued by WebBank, Member FDIC pursuant to a license from Visa USA Inc. Access to the Card is subject to approval.

***Cleo is not a bank. Direct deposit banking services provided by Thread Bank, Member FDIC. Early access to direct deposit funds not guaranteed, timing may vary.

Learn more about how we share your data here:
Cleo uses bank-level SSL encryption to protect your data and your deposits.
Updated on
Sep 29, 2023

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Personal info
This app may collect these data types
Personal info, Financial info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

55.2K reviews
September 13, 2023
The app is annoying to navigate. So far it only shows up to 3 transactions on the credit builder card. Also, trying to reach a real person is a pain in the a**. You have to select at least five different damn options before you can finally, maybe talk to a person. And now I'm getting this b******* about a duplicate account. I think I made a mistake signing up to the $15 credit builder and the way things are going I might be canceling soon.
56 people found this review helpful
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Cleo AI
September 13, 2023
Thanks for your feedback. You should be able to see your transactions on the SPEND tab. Please reach out to us directly at so we can assist you! Thanks, Team Cleo
Aaron Crawford
September 23, 2023
I was really enjoying the app until my recent issue. I tried to set up an advance with the 3-4 business day delivery option but it failed four times. Yet, the moment I agree to pay the 8.99 for instant delivery, it immediately worked. That entire experience was not only uncomfortable, but given that your chat not had no answers and it's harder than it should be to reach someone after this happened makes it hard for me to justify recommending app to friends. Dropped a star due to poor response.
19 people found this review helpful
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Cleo AI
September 23, 2023
Thank you for your feedback! We're sorry to hear you had problems with standard payout. If we can assist with anything, please reach out to us at so we can assist you. Thanks, Team Cleo
Brittany Tyler
August 9, 2023
She's sassy and helpful plus she will definitely roast you about spending habits. However, there are a few things I'm starting to get annoyed with. Trying to get a hold of customer service is difficult, especially if the "chat to cleo" is not working properly. Subscription payments are a little high. It sucks that every time I need an advance I have to resubscribe when a big fee is already charged for the advance to begin with. Just not sure if Cleo is worth the hassle anymore.
152 people found this review helpful
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What's new

Bug fixes & minor improvements. Watch this space.